In 2008, I took out a tracker mortgage for a self-build. I subsequently needed more money to complete the build and, in 2009, requested a top-up on the original mortgage. I was made to take out a second mortgage for the smaller sum and denied the tracker rate that I had (and still have) for the first mortgage. Unfortunately I do not have any documentation to support my request for a tracker, all dealings were verbal in branch with the branch manager. However, in this instance, it’s all academic as, in my view, you have no case against the bank.

Source: The Irish Times March 05, 2018 18:00 UTC